Home Loan Options in Irvine, CA

🏡 Find the Right Loan for You

At Daniel David Home Loans, we offer a wide range of financing options to fit every situation—from first-time homebuyers navigating the process for the first time to self-employed borrowers who need flexible, alternative income documentation.

We proudly serve clients in Orange County and surrounding areas, with specialized expertise in:

  • First-Time Homebuyer Programs
  • Non-QM Loans for self-employed, investors, and complex income types

Explore your options below and see how we can help you move confidently toward homeownership.

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Loan Options

Find the right loan for your needs – whether you’re buying your first home, investing, or looking for a more flexible option.

Conventional Loans

Perfect for borrowers with good credit and steady income.

  • Down payments as low as 3%
  • Fixed or adjustable rate options
  • Backed by the Federal Housing Administration

Non-QM Loans

Tailored for self-employed borrowers, investors, and others in unique income scenarios.

  • Bank statement loans (no tax returns)
  • DSCR for investment properties
  • Asset depletion, ITIN loans, and more

FHA Loans

A great fit for first-time payers or those with lower credit:

  • 3.5% down payment required
  • More flexible qualifying guidelines

Bank Statement Loans

Show income using 12–24 month continuity.

  • Great for self-employed borrowers
  • No tax returns needed
  • Personal or business accounts accepted

VA Loans

Zero down financing with no PMI for those who’ve served

  • No down payment required
  • No private mortgage insurance

Down Payment Assistance

Programs to help reduce upfront costs.

  • Grants and forgivable loans
  • Close in personal name or Conventional

Jumbo Payment Assistance

For homes above conforming loan limits.

  • Flexible qualifying guidelines
  • Financing for high-value properties

Investment Property Loans

Flexible programs for rental and income properties.

  • DSCR loans
  • Close in personal name or LC
  • No Income verification options available

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Not Sure Which Loan is Right for You?
Let’s figure it out together.

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Home Loan Tips & How to Prepare

Whether you’re a first-time buyer or just need a refresher, understanding how to get mortgage-ready can make the process smoother and faster. Here’s what to know before you apply:

What We Look for When Qualifying You

Lenders evaluate four key areas:

  1. Credit Score – A higher score improves your rate and options (620+ minimum for most programs).
  2. Income & Employment – Stable, verifiable income is essential. Self-employed borrowers can qualify too—with the right documentation.
  3. Debt-to-Income Ratio (DTI) – We look at how much debt you carry compared to your income.
  4. Assets – Down payment, closing costs, and reserves should be documented.

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What Documents to Provide

Be ready with:

  • Last 2 years of W-2s or tax returns
  • Most recent pay stubs (30 days)
  • Bank statements (last 2 months)
  • ID (driver’s license or passport)
  • Additional docs if self-employed: P&Ls, 1099s, bank statements, or CPA letter

What Not to Do During the Loan Process

Avoid these common mistakes:

  • ❌ Don’t open or finance new credit (cars, cards, etc.)
  • ❌ Don’t make large, undocumented deposits
  • ❌ Don’t switch jobs or become self-employed
  • ❌ Don’t co-sign for anyone else’s loan
  • ❌ Don’t ignore requests from your lender—we’re here to help, not hassle

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How to Prepare for Buying a Home

Start off right:

  • Check and improve your credit early
  • Pay down debts and avoid new credit lines
  • Start saving for your down payment and closing costs
  • Organize income and asset documentation
  • Get pre-approved before house hunting

 

Need help or have questions?
Reach out today and we’ll walk you through everything—step by step.

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Frequently Asked Questions

Do you offer Spanish-speaking services?

Yes! We have Spanish-speaking staff available to help make the mortgage process clear and comfortable for everyone.

Can I qualify for a home loan if I’m self-employed?

Absolutely. We specialize in bank statement loans, P&L loans, and other non-traditional programs that make it easier for self-employed buyers to qualify.

How fast can I close on a home loan?

Because we do everything in-house, we can offer fast closing times. If you’re looking to move quickly in Irvine’s hot market, we’re the team you want on your side.

Do you offer help with credit repair?

Yes, we do! If your credit needs a little TLC, we’ll work with you to create a clear, achievable plan to strengthen your profile and improve your options.

Let’s Build Your Future in Irvine or the surrounding California Areas

Here at Daniel David Home Loans, we believe that buying a home should feel empowering — not overwhelming. We’re also truly passionate about helping people find their place in our incredible community, whether it’s settling near Quail Hill’s walking trails or living just minutes from the vibrant shops and cafes of Irvine Spectrum. So if you’re ready to explore home loans in Orange County and the surrounding LA, San Bernardino, and Riverside Counties in Southern California, or simply want expert guidance from a friendly, experienced team, we’re here to help. Call us today at 949-616-4267 and let’s make the home you’ve been dreaming about a reality — together!

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